{"id":27738,"date":"2026-01-15T01:36:37","date_gmt":"2026-01-14T17:36:37","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=27738"},"modified":"2026-01-15T13:17:16","modified_gmt":"2026-01-15T05:17:16","slug":"health-insurance-cost-in-portugal","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-portugal.html","title":{"rendered":"How Much Does Health Insurance Cost in Portugal?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The average annual premium cost for international health insurance in Portugal was <\/span><b>USD $4,638 for individuals in <\/b><b>2025<\/b> <span style=\"font-weight: 400;\">and <\/span><b>USD $12,828 for families in <\/b><b>2025<\/b><span style=\"font-weight: 400;\">. This proprietary data was collected from actual Pacific Prime expat customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you need to secure private international health insurance in Portugal and aren\u2019t sure how much to expect it to cost? Want to make sure you aren\u2019t overcharged for your health plan?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article is rich in the data you need. As an international health insurance brokerage, <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/about-us-corporate-insurance-brokers#:~:text=States%2C%20and%20Australia.-,By%20the%20Numbers,-With%20over%2020\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> has over 20 years of experience helping over a million and a half global citizens secure medical coverage all around the world, including in Portugal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With our privately collected statistics on health insurance premiums and their inflation over the years, we can give you<\/span><b> accurate facts<\/b><span style=\"font-weight: 400;\"> about what you can expect to pay for individual and\/or family coverage and tips on how to save money. We\u2019ll also compare Portugal\u2019s costs to the rest of Europe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also won\u2019t want to miss our guide on the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/health-insurance-in-portugal\/#:~:text=Best%20Private%20Insurance%20Providers%20for%20Expats%20in%20Portugal\"><span style=\"font-weight: 400;\">best expat international health insurance in Portugal<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Disclaimer: All data in this article is provided in USD.<\/span><\/i><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cost of Health Insurance in Portugal for Individuals<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27744 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-riverside-buildings-along-the-douro-river-in-porto-portugal.webp\" alt=\"Image of White Riverside Buildings Along The Douro River In Porto, Portugal with text overlay of &quot;Cost of Health Insurance in Portugal for Individuals&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-riverside-buildings-along-the-douro-river-in-porto-portugal.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-riverside-buildings-along-the-douro-river-in-porto-portugal-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-riverside-buildings-along-the-douro-river-in-porto-portugal-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-riverside-buildings-along-the-douro-river-in-porto-portugal-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-riverside-buildings-along-the-douro-river-in-porto-portugal-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance in Portugal costs individuals an average of<\/span><b> $4,638 USD in <\/b><b>2025<\/b><span style=\"font-weight: 400;\">. That\u2019s a <\/span><b>1% increase<\/b><span style=\"font-weight: 400;\"> from 2023 when the average annual premium was <\/span><b>$4,591<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These averages come from verified international health insurance data collected by broker Pacific Prime and demonstrate the inflation that increases healthcare expenses every year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following chart details how the average annual premium costs in Portugal have changed between the years <\/span><span style=\"font-weight: 400;\">2025 <\/span><span style=\"font-weight: 400;\">and 2019 for individual expat plans.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">Portugal\u2019s Annual Premiums for Individual Health Insurance<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Year<\/b><\/td>\n<td><b>Average Annual Premium<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2024<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,638<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2023<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,591<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,023<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,798<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2019<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,788<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">You can compare this data and more with Pacific Prime\u2019s annual report <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><span style=\"font-weight: 400;\">Cost of International Health Insurance for Individuals and Families 2024<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-30' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_1.jpg\" alt=\"Blog Banner Europe 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cost of Health Insurance in Portugal for Families<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Health insurance in Portugal costs families an average of<\/span><b> $12,828 USD in <\/b><b>2025<\/b><span style=\"font-weight: 400;\">. That\u2019s an <\/span><b>11% increase<\/b><span style=\"font-weight: 400;\"> from 2023 when the average annual premium was <\/span><b>$11,594<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These averages come from verified international health insurance data collected by broker Pacific Prime and demonstrate the inflation that increases healthcare expenses every year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following chart details how the average annual premium costs in Portugal have changed between the years 2024 and 2019 for family expat plans.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">Portugal\u2019s Annual Premiums for Family Health Insurance<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Year<\/b><\/td>\n<td><b>Average Annual Premium<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2024<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,828<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2023<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,594<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,705<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,899<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,455<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2019<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,181<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-31' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_2.jpg\" alt=\"Blog Banner Europe 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Portugal\u2019s Cost of Health Insurance Compared to Europe<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Portugal\u2019s $4,638 annual cost of international health insurance for individuals <\/span><b>is considered a midrange price in Europe<\/b><span style=\"font-weight: 400;\">. This is due to how closely it comes to the $4,459 estimated annual average from the following 24 European countries in our data below.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The same is also true of Portugal\u2019s premium average for families. Europe\u2019s average cost for families is $12,294 and Portugal\u2019s family plans are only a smidge higher than that at $12,828.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This first chart compares the <\/span><b>average annual premiums for individuals <\/b><span style=\"font-weight: 400;\">living in <\/span><b>Portugal <\/b><span style=\"font-weight: 400;\">compared to individuals living in other countries across <\/span><b>Europe<\/b><span style=\"font-weight: 400;\">. We include years 2024 and 2023 and the percentage change between those years.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">A Comparison of Portugal\u2019s Individual Insurance Costs to Europe Costs<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Country<\/b><\/td>\n<td><b>2024 Average Premium<\/b><\/td>\n<td><b>2023 Average Premium<\/b><\/td>\n<td><b>% Change<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Portugal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,638<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,591<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UK<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,770<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,314<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Switzerland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,532<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,441<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Spain<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,193<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,877<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Greece<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,859<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,846<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Russia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,849<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,737<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ireland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,697<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,610<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Italy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,620<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,512<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Austria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,462<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,283<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Finland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,391<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,283<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ukraine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,316<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,257<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Germany<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,307<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,279<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bulgaria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,264<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,164<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Serbia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,264<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,164<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sweden<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,261<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,163<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">France<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,213<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,182<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Denmark<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,202<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,040<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Norway<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,170<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,008<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hungary\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,143<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,044<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Czech Republic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,141<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,041<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Romania<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,074<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,921<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Croatia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,074<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,921<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Slovakia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,074<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,921<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Netherlands<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,071<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,008<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Poland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,900<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,847<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">This second chart compares the <\/span><b>average annual premiums for families<\/b><span style=\"font-weight: 400;\"> living in <\/span><b>Portugal <\/b><span style=\"font-weight: 400;\">compared to families living in other countries across <\/span><b>Europe<\/b><span style=\"font-weight: 400;\">. We include years 2024 and 2023 and the percentage change between those years as well.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th colspan=\"4\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">A Comparison of Portugal\u2019s Family Insurance Costs to Europe Costs<\/span><\/h3>\n<\/th>\n<\/tr>\n<tr>\n<th><b>Country<\/b><\/th>\n<th><b>2024 Average Premium<\/b><\/th>\n<th><b>2023 Average Premium<\/b><\/th>\n<th><b>% Change<\/b><\/th>\n<\/tr>\n<tr>\n<th><span style=\"font-weight: 400;\">Portugal<\/span><\/th>\n<th><span style=\"font-weight: 400;\">$12,828<\/span><\/th>\n<th><span style=\"font-weight: 400;\">$11,594<\/span><\/th>\n<th><span style=\"font-weight: 400;\">11%<\/span><\/th>\n<\/tr>\n<tr>\n<th><span style=\"font-weight: 400;\">Switzerland<\/span><\/th>\n<th><span style=\"font-weight: 400;\">$15,359<\/span><\/th>\n<th><span style=\"font-weight: 400;\">$14,306<\/span><\/th>\n<th><span style=\"font-weight: 400;\">7%<\/span><\/th>\n<\/tr>\n<tr>\n<th><span style=\"font-weight: 400;\">UK<\/span><\/th>\n<th><span style=\"font-weight: 400;\">$15,936<\/span><\/th>\n<th><span style=\"font-weight: 400;\">$15,121<\/span><\/th>\n<th><span style=\"font-weight: 400;\">5%<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Spain<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$14,417<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,567<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Greece<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,487<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,785<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Russia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,260<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,605<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ireland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,970<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,503<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Italy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,798<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,594<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Austria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,300<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,481<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Finland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,106<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,457<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Germany<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,859<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,457<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ukraine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,779<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,457<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bulgaria<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,742<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,457<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Serbia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,742<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,319<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sweden<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,731<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,245<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">France<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,597<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,245<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Denmark<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,582<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,140<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Norway<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,486<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,138<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hungary<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,412<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,127<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Czech Republic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,399<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,043<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Romania<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,217<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,043<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Croatia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,217<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,797<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Slovakia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,217<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,797<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Netherlands<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,196<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,797<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Poland<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,710<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,586<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-32' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_3.jpg\" alt=\"Blog Banner Europe 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Expat Tips to Save Money on Insurance in Portugal<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats purchasing health insurance in Portugal can save money on premiums by consulting with an international health insurance broker, excluding the U.S. from coverage if it\u2019s not needed, and paying premiums annually instead of monthly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read the following 10 tips for more ideas on how to save:<\/span><\/p>\n<ol>\n<li><b>Choose Localized Plans Over Global Plans.<\/b><span style=\"font-weight: 400;\"> Premiums for worldwide coverage (especially including the U.S.) are significantly higher than Europe-only or Iberian-only coverage. For expats mostly living and traveling within Portugal and the EU, restricting the geographic scope drastically reduces costs.<\/span><\/li>\n<li><b>Use Portuguese Public Healthcare When Possible.<\/b><span style=\"font-weight: 400;\"> Portugal\u2019s SNS (Servi\u00e7o Nacional de Sa\u00fade) is inexpensive and can cover routine or emergency needs, reducing reliance on private international policies. Using SNS for basics allows you to downgrade private coverage to major medical only.<\/span><\/li>\n<li><b>Exclude U.S. Coverage if Not Needed.<\/b><span style=\"font-weight: 400;\"> U.S. inclusion is one of the most expensive riders on international plans. Most European expats and retirees have no practical need for U.S. care, so excluding it can easily reduce premiums by 30% or more.<\/span><\/li>\n<li><b>Opt for Higher Deductibles and Co-Pays.<\/b><span style=\"font-weight: 400;\"> Plans with higher deductibles and cost-sharing offer lower monthly premiums. Many expats in Portugal use public care for common needs, so high deductibles for private care are rarely triggered.<\/span><\/li>\n<li><b>Select Emergency-Only or Major Medical Coverage.<\/b><span style=\"font-weight: 400;\"> Instead of comprehensive outpatient and preventive coverage, major medical policies focus on catastrophic events. If you plan to use SNS for everyday appointments, emergency-only coverage can be a cost-efficient alternative.<\/span><\/li>\n<li><b>Pay Annually Instead of Monthly.<\/b><span style=\"font-weight: 400;\"> Many international insurers offer discounts when premiums are paid annually rather than monthly or quarterly. Annual billing also simplifies financial planning for expats who manage cross-border banking or multiple currencies.<\/span><\/li>\n<li><b>Leverage EU-Wide Healthcare Networks.<\/b><span style=\"font-weight: 400;\"> Insurers with strong European networks can offer lower rates than global networks because contract pricing is more favorable in the EU. This is especially beneficial for expats who travel to Spain, France, or Germany from Portugal.<\/span><\/li>\n<li><b>Consider Plans Without Dental and Vision.<\/b><span style=\"font-weight: 400;\"> Optional dental and vision riders can add a surprising cost to international policies. In Portugal, affordable standalone dental clinics and optical shops make it simpler to pay cash for routine services.<\/span><\/li>\n<li><b>Bundle Life and Travel Coverage with Health.<\/b><span style=\"font-weight: 400;\"> Some international insurers offer multi-product discounts for expats who need life, travel, or evacuation coverage. If you travel frequently between Portugal and other EU countries, bundled evacuation or travel coverage may offer savings.<\/span><\/li>\n<li><b>Verify Residency-Based Discounts and Local Brokers.<\/b><span style=\"font-weight: 400;\"> Local brokers in Lisbon, Porto, and the Algarve often secure rates tailored to resident foreigners, including retirees under D7 visas or digital nomads under D8 visas.<\/span><\/li>\n<\/ol>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-33' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_4.jpg\" alt=\"Blog Banner Europe 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">How much does private health insurance cost in Portugal?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Private health insurance in Portugal typically costs between EUR 40 and EUR 150 per month for adults. Pricing varies by age, coverage tier, inpatient benefits, and whether pre-existing conditions or international coverage are included.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are international health insurance plans expensive in Portugal?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International plans tend to cost more than domestic Portuguese policies because they include broader networks and global emergency benefits.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What factors influence health insurance prices in Portugal?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Age, coverage level, pre-existing conditions, and global travel benefits are the major pricing drivers for health insurance in Portugal. Additional variables include plan deductibles, co-pays, maternity coverage, and whether the policy is domestic or international.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although international health insurance in Portugal has steadily increased in price from $3,788 in 2019 to $4,638 in <\/span><span style=\"font-weight: 400;\">2025<\/span><span style=\"font-weight: 400;\">, the increase has been marginally slower than other European countries. This means expats can feel assured purchasing insurance now and not fear dramatic increases next year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you understand how much international health insurance costs for individuals and families in Portugal, how those premiums have changed over the years, and how they compare to neighboring countries, you are likely more prepared to compare the plans and quotes themselves.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s when Pacific Prime steps in! We are an international health insurance brokerage with over 20 years of experience helping over a million and a half expatriates just like you secure healthcare coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Utilize our exceptional <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">online database<\/span><\/a><span style=\"font-weight: 400;\"> that features<\/span><b> over 50,000 expat-focused health insurance plans<\/b><span style=\"font-weight: 400;\"> to begin comparing benefits, plans, quotes, and more! It\u2019s a free resource anyone can use and you won\u2019t want to miss!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re ready to speak to an international insurance expert, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our team online<\/span><\/a><span style=\"font-weight: 400;\"> or call <a href=\"tel:+852-3113-1331\">+852-3113-1331<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We recommend expats and foreign citizens living in Portugal reference the following links:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">International Health Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/health-insurance-in-portugal\/\"><span style=\"font-weight: 400;\">Portugal Health Insurance for Expats<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-spain.html\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in Spain?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-france.html\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in France?<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The average annual premium cost for international health insurance in Portugal was USD $4,638 for individuals in 2025 and USD $12,828 for families in 2025. This proprietary data was collected from actual Pacific Prime expat customers. Do you need to secure private international health insurance in Portugal and aren\u2019t sure how much to expect it &#8230;<\/p>\n","protected":false},"author":54,"featured_media":27742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-27738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Does Health Insurance Cost in Portugal?<\/title>\n<meta name=\"description\" content=\"Discover how much international health insurance costs in Portugal for expat individuals and 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